Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Kansas driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $23 a month in Kansas for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $274 per year—lower than liability-only coverage of $471 for Kansas drivers.
- Geico offers the cheapest non-owner car insurance rates in Kansas at an average cost of $8 per month.
Do I need non-owner car insurance in Kansas?
Non-owner car insurance in Kansas is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Kansas
Non-owner car insurance costs $23 a month or $274 per year in Kansas for coverage limits of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Kansas
Geico offers the cheapest non-owner car insurance rates in Kansas at an average cost of $8 per month, based on CarInsurance.com’s analysis. Other than Geico, Shelter Insurance and State Farm also have cheap non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
Below is a table showing the cheapest companies for non-owner car insurance in Kansas.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $94 | $8 |
| Shelter Insurance | $172 | $14 |
| State Farm | $178 | $15 |
| Iowa Farm Bureau | $196 | $16 |
| Progressive | $247 | $21 |
| Travelers | $327 | $27 |
| Farmers | $460 | $38 |
| Nationwide | $681 | $57 |
| USAA* | $114 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Kansas, by age and gender
Non-owner car insurance costs in Kansas vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $823 monthly, whereas if you add a 16-year-old female, you’ll pay $746 per month, based on CarInsurance.com’s analysis.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Kansas.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $661 | $616 |
| Young Adults (20-24) | $349 | $338 |
| Adults (25-60) | $266 | $272 |
| Seniors (65-75) | $287 | $279 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Kansas cities
In Salina non-owner auto insurance costs $22 per month or $260 annually, while drivers in Manhattan pay $22 monthly for the same coverage.
In Kansas, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Kansas, you can expect to pay more for non-owner insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Salina | $260 | $22 |
| Manhattan | $265 | $22 |
| Lawrence | $292 | $24 |
| Topeka | $305 | $25 |
| Lenexa | $318 | $27 |
| Olathe | $319 | $27 |
| Wichita | $325 | $27 |
| Shawnee | $325 | $27 |
| Overland Park | $332 | $28 |
| Kansas City | $344 | $29 |
Affordable non-owner insurance in Kansas, by ZIP code
In Kansas, a 40-year-old driver living in ZIP code 67661 pays $242 a year or $20 per month for non-owner insurance, while the coverage costs $243 a year or $20 per month for a driver in ZIP code 67664 with a clean driving record.
When should you consider buying non-owner car insurance in Kansas?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Kansas
Non-owner car insurance is an excellent choice in Kansas if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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